Reclaim Your Bank And Card Charges - Page 32

jellybaby · 14-01-2007, 18:15

Just found this on the BBC news site.

http://news.bbc.co.uk/1/hi/england/devon/6261405.stm

luckybleeder · 15-01-2007, 00:37

Had a pamphlet through the door today for a company that has had a 100% success rate in reclaiming unlawful charges. Seems that they can act on a no win no fee basis. I'm not going to post the phone number or address because i might break forum rules but i don't see any problems if i send it by pm but please correct me if i'm wrong?

Shaun · 15-01-2007, 00:46

You'd be silly to use them. If you can post on here then you're capable of getting them back yourself.

Mr Angry · 15-01-2007, 00:51

Quote:

Originally Posted by luckybleeder

Had a pamphlet through the door today for a company that has had a 100% success rate in reclaiming unlawful charges. Seems that they can act on a no win no fee basis. I'm not going to post the phone number or address because i might break forum rules but i don't see any problems if i send it by pm but please correct me if i'm wrong?

The reason they've had 100% success rate is quite simple.

Anyone who has gone to the bother of citing consumer contract law and threatened to claim through the courts has had a 100% success rate in reclaiming charges. There is no need, whatsoever, as has been evidenced in this thread, to involve a fee charging 3rd party.

luckybleeder · 15-01-2007, 01:16

To Shaun & Mr. Angry - I have followed the advice given on the cag website and i collated all my own information to send and i successfully claimed back my dosh. It's taken me six months, loads of leters n1 court claim and a letter to the fos to sort me out, but i did get what i wanted.

If a third party company is willing to take away all the stress and worry then why not? I hurt my back at work several years ago and i am employing a solicitor on a no win no fee basis with 100% settlement payout. I see little difference between this and the company that i've yet to mention

Mr Angry · 15-01-2007, 01:34

The "difference", as you put it, is that penalty charges are illegal - whereas your back injury is a matter of legal culpability. One is already proven in contract law.

As Shaun says, and you have substantiated, if you can post here you can claim.

Theodoric · 17-01-2007, 11:04

Although the banks now seem to be fighting back in their typically customer-friendly way against those people who have the nerve to take them to court over unfair bank charges. According to an article in today's Express they are starting to withdraw such people's overdrafts and demanding immediate repayment of the amounts owing.

The Express being The Express, it's not clear how much of this is simply scaremongering on the Express's part but they do quote one named case.

Mr Angry · 17-01-2007, 17:43

Quote:

Originally Posted by Theodoric

Although the banks now seem to be fighting back in their typically customer-friendly way against those people who have the nerve to take them to court over unfair bank charges. According to an article in today's Express they are starting to withdraw such people's overdrafts and demanding immediate repayment of the amounts owing.

The Express being The Express, it's not clear how much of this is simply scaremongering on the Express's part but they do quote one named case.

It's probably entirely true - which is why I always advise claimants to open a new bank account before taking any action.

Chimaera · 17-01-2007, 17:50

What happens if the account is no longer active and the customer has entered into an informal agreement to repay money - what might the bank do in that case? One of my freinds wants to reclaim money but isn't sure what the bank will do if they turn nasty.

Mr Angry · 17-01-2007, 18:02

Quote:

Originally Posted by Chimaera

What happens if the account is no longer active and the customer has entered into an informal agreement to repay money - what might the bank do in that case? One of my freinds wants to reclaim money but isn't sure what the bank will do if they turn nasty.

Your friend should consider reclaiming the charges (in full) and using the reclaimed sum to offset against any outstanding monies due to the bank.

SMHarman · 17-01-2007, 18:38

Quote:

Originally Posted by Mr Angry

Your friend should consider reclaiming the charges (in full) and using the reclaimed sum to offset against any outstanding monies due to the bank.

Would you do this if you are in an IVA, could the bank then back out of the IVA?

Chimaera · 17-01-2007, 18:39

Quote:

Originally Posted by Mr Angry

Your friend should consider reclaiming the charges (in full) and using the reclaimed sum to offset against any outstanding monies due to the bank.

Thank you! But can the bank do anything else such as issue court proceedings to recover the outstanding money owed to them? Or will they just honour the existing agreement (which was negotiated and put in place by CCCS) and let it be paid off at the current amount?
PS - I dont' think it's an IVA- just an 'informal agreement'.

Mr Angry · 18-01-2007, 09:49

The bank cannot "back out" of an IVA (providing the debtor hasn't broken the terms) as it is a legal agreement. If you reclaim the charges and offset them against any monies due under the IVA you are not contravening the monthly / weekly repayment terms (you're simply using money the bank have misappropriated from you to pay off your debt to them earlier).

The bank will not be in a position to issue court proceedings for recovery as long as you have not defaulted on the agreement - see above.

ic2 · 20-01-2007, 16:46

Been lurking & reading this threat for a while now and its inspired me to stand my ground with the West Bromwich, so I thought I would share my tale.

After Xmas (27th) my bank A&L bounced our mortgage DD to the West Brom citing insufficient funds, spoke to the A&L the same day and pointed out that funds were deposited on the same day as the DD went out. They saw the errors of their way and refunded us their "admin charge" of ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£34.

Then lo & behold the West Brom send a computer generated letter stinging us for ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£34 as a result of the DD being refused. The missus spoke to them and told them the tale but all we got back was ".....claim it back from your bank then if they have admitted it was their error...." - fantastic customer service.

So, sent the standard letter off to them about charges, I know it was only ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£34 but its the principle that counts. They replied back saying they would respond within 14 days and then yesterday, they wrote to say that the charge would be refunded but this does not admit liability etc......

So thanks to all for their inspiring stories, it urged me on...

Then I read in the Mail on Saturday (today) about the guy who won ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£3,400 from RBS, they did not contest it or pay up, so he got a court order to send the bailiffs in. They turned up at his local branch and started to seize equipment to the value, only when the branch manager promise to pay it did they relent.

homer · 20-01-2007, 18:08

Hi to all,

I just looked at this thread and it looks to good to be true ??? I am not being down on anybody but banks are a law to themselfs,
However if I can claim my charges back I will try I am with Natwest but I hold no hope, I sent out 3 cheques last month and got charged ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£114 quid because I was short in my bank any advice

regards
Homer